Borrow against your shares, ETFs, and managed funds. Access lower rates and keep your investments growing.
Get a Quote →Securities lending (also called margin lending or portfolio lending) allows you to borrow money using your investment portfolio as security - without selling your investments.
Typically 1-2% lower than unsecured loans because your portfolio is the security
Your investments stay in the market and continue to grow while you access the equity
Interest may be tax-deductible if used for income-producing investments
Use funds for property deposit, renovations, new investments, or business capital
Lender evaluates your shares, ETFs, and managed funds. Blue-chip stocks (ASX200) typically get highest borrowing ratios.
You can typically borrow 50-70% of your portfolio value (called LVR). More stable stocks = higher LVR allowed.
Your investments stay in your name and continue earning dividends/returns. Lender has a security interest only.
Funds transferred to you. Use for any purpose - property, investments, business, or personal needs.
If your portfolio value drops, you may need to provide additional security or repay part of the loan. This is called a "margin call."
Lenders monitor your LVR daily. If it exceeds limits (e.g., goes above 70%), you'll need to top up security or reduce the loan.
Borrow conservatively (e.g., 50% LVR instead of 70%) to avoid margin calls during market volatility. Keep a cash buffer for emergencies.
Access funds for a property deposit without selling investments. Keep portfolio growing while entering property market.
Leverage portfolio to invest in new opportunities. Potential to amplify returns (with higher risk).
Fund business expansion, equipment, or working capital at lower rates than business loans.
Fund home improvements without selling shares or taking expensive personal loans.
Compare securities lending options from 8+ specialist lenders. Get a personalized quote in minutes.
Get Your Quote →Speak to our specialists about leveraging your investment portfolio